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I chose the Capital One Platinum Credit Card because it's designed to help people build credit. I decided to go with the Capital One Platinum Credit Card, and I'm happy I did for these reasons. Read our review Read Our Review A looong arrow, pointing rightThe Capital One Platinum Credit Card is specifically aimed at building credit for those with limited credit histories. Building up my credit score provides me with a sense of achievementI had already built a little bit of credit history with my student loan payments, but my credit score had barely budged from where it initially started. Learning how to use a credit card for the first time isn't easy, but now, every swipe of my card brings me closer to building my credit and reaching my goals.

If you're opening your first credit card or want to rebuild a tarnished credit history, the Discover it® Secured Credit Card is an attractive option if a regular credit card isn't available to you. All three credit bureaus receive payment reports from Discover, and on-time payments with the Discover it® Secured Credit Card will help build a positive credit history. How to apply for the Discover it Secured cardWhen you apply for the Discover it® Secured Credit Card, your credit report will be reviewed. Discover it Secured card benefits and featuresFor a secured credit card, the Discover it® Secured Credit Card has a decent list of benefits. The Discover it® Secured Credit Card gives you complimentary access to your FICO credit score and reports information with TransUnion.

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). Because I run my own business, I'll probably start with a small-business credit card to earn rewards on business expenses. The reason why I don't have credit cards is that credit cards and I never got along. I remember applying for my first credit card in college — a card from a well-known retail store. At that moment, I vowed to do two things — pay off my credit card debt and learn how to manage my money.

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). How to apply for a credit cardYou can apply for your first credit card in person, by mail, on the phone, or online, and if your credit is good, you'll have your pick of a variety of cards and banking institutions. Check your credit scoreChecking your credit score before applying for a credit card means you'll be fully educated about the kinds of interest rates you can expect from your offers, and the rewards you could qualify for. And even those without extensive credit histories can apply for a starter credit card or a secured credit card to begin building up the necessary foundation. Use your credit card responsiblyMoving from a debit card to a credit card is a crucial transition, as sudden access to all those borrowed funds can produce a temptation to overspend.

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I'd never been a heavy credit card user, and mainly used debit cards or cash on most of my everyday purchases. After I got my first airline credit card, the United℠ Explorer Card from Chase, I can't see the value in using my debit card, or even my cash-back cards, anymore. I used my Chase debit card all through college, and didn't get my first credit card, a cash-back card, until well after starting my first job. But, after opening my first airline credit card, I realized just how much value I was missing out on. I'm constantly asked how I'm able to travel so much, and my first answer is always that I maximize credit card rewards.

Credit cards are the best way to build credit, but you need good credit to get one. Founded in 2016, the company partnered with FDIC-insured WebBank to launch its credit card, Petal Card, to the general public last October. To help people with no credit build credit using the fee-free Petal® 2 "Cash Back, No Fees" Visa® Credit Card. Petal Card might not be the best credit card if you already have a robust credit history, but that's not really its purpose. Petal Card was created to help the "credit invisible" build credit with an affordable, transparent, user-friendly credit card, and in that regard, it's shaping up to be the best solution yet.

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). I don't need cash often, though, so it's not enough to make me get a debit card. There are many debit card risks people fail to think about, and it may not be the best choice for you financially. I've never really needed a debit cardMy parents have never had a debit card (I know, right?!) Most places in the US take some form of card, which makes a debit card unnecessary most times.

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You can help your child establish and build credit without taking on the dangers of co-signing for a loan or credit card. Call your card issuer and ask for your son or daughter to be added onto your credit card as an authorized user. If so, he or she may be able to open a credit builder loan to help establish some credit. A student credit card or a secured credit card can potentially be a good fit for young people who want to establish credit on their own, without the need for a co-signer. Some options to consider include:Discover it Student Cash BackWells Fargo Cash Back College CardBank of America Travel Rewards Credit Card for StudentsPetal CardSecured credit cards: Another option your child might want to consider is a secured credit card.

Travel rewards and cash back rewards credit cards sometimes charge annual fees, but those fees can be worth it. If you're wondering how to decide if a credit card annual fee is worth it, it comes down to the numbers: Do the math to compare rewards, benefits, credits, and other perks to decide if a card makes sense for your needs. As you move up the tiers in credit card annual fees, you'll find better and better rewards and benefits. How to decide if a credit card annual fee is worth it1. For hotel, airline, and credit card program miles and points rewards, points may be worth more or less than one cent each.

At age 20, I already had $15,000 in debt — mostly student loans, but unnecessary credit card debt, too. In fact, my 20-year-old self was in over $15,000 of debt and had no idea how to manage money. Here are the five things I wish I could tell my 20-year-old self about money and credit cards. Essentially, to build credit, you need to show creditors that you're capable of making on-time payments. Using a zero-based budget helped me put more towards my debt — money I would have otherwise wasted on non-essential spending.

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